JSSB Executive Team

Richard Grafmyre

Richard Grafmyre, CFP®


Education & Accreditations
  • BS, Business Administration, Empire State College
  • Master’s Degree, Financial Planning, College of Financial Planning in Denver, CO
  • Certified Financial Planner
  • Series 7 license

With over 45 years of banking experience, Dick is the former President and CEO of FNB Bank NA in Danville, PA.  He also directed Swineford National Bank and the State College, PA region of Fulton Bank. 

Karen Young

Karen Young

President & CEO - JSSB

CEO - M Group

MLO NMLS #1478156


Education & Accreditations

  • Bald Eagle Area High School
  • Graduate School of Banking at the University of Wisconsin
  • Penn State Executive Program 


Karen has 35 years of banking and leadership experience, holding positions of Branch Manager at Keystone Financial, Regional Manager at Northern State Bank, and Business Banking Relationship Manager at M&T Bank.


Gerald Seman

Gerald J. Seman

President  - JSSB Mortgage Service

MLO NMLS #493614

Education & Accreditations
  • Business Administration -  Luzerne County Community College
  • Central Atlantic Advanced School of Banking – PBA Bucknell, Lewisburg
  • Graduate - Dale Carnegie & Leadership Lycoming
  • Omega - Financial Accounting for Lenders

Jerry has over 35 years of experience in mortgage banking, specializing in mortgage production and sales.  His primary responsibilities are managing the Mortgage Division's strategic growth initiatives, which include; recruitment, marketplace expansion, and secondary market investor relations throughout Pennsylvania.


Krista Gephart

Krista Gephart

Regional President - JSSB

MLO NMLS #705879

Education & Accreditations
  • High School Diploma, Loyalsock Township High School
  • Bachelors Degree, Lycoming College
  • Certificate in Business and Commercial Lending, American Bankers Association

Krista has 24 years of banking and leadership experience holding positions of Lead Teller at Mellon Bank, Operations Supervisor/Lender at Northwest Savings Bank, AVP Branch Manager II at Sovereign Bank, and AVP Branch Manager II as well as Vice President Regional Manager at JSSB. Krista has also worked as the Credit Department and Accounts Receivable Manager at Brodart.  


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Garrett Sanner

Regional President - JSSB

MLO NMLS #522797

Education & Accreditations
  • Bachelors Degree, Frostburg State University
  • Series 6 & 63 Licensed
  • Life & Health Insurance Licensed
  • Graduate - Leadership Lycoming


Garrett has over 22 years of banking and leadership experience holding positions of Mortgage Loan Officer at Allied Home Mortgage and CoreStar Financial Group, Assistant Vice President, Branch Manager at M&T Bank as well as Vice President, Regional Manager at JSSB. 

A complete list of Mortgage Loan Officers and their MLO numbers are available by calling 570.320.2010 or by visiting your local branch.